:root{--navy:#13304e;--navy2:#1d4569;--blue:#2272b8;--amber:#f2a93b;--bg:#f7f9fb;--ink:#21303f;--mut:#5b6b7a;--line:#dde6ee;--card:#ffffff;--rad:14px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Source Sans 3',system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;overflow-x:clip}
@media(pointer:coarse){body{touch-action:pan-y}}
h1,h2,h3,h4{font-family:'Merriweather',Georgia,serif;color:var(--navy);line-height:1.25}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
/* header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:11px;color:var(--navy)}
.logo svg{flex:none}
.logo .lwords{display:flex;flex-direction:column;line-height:1.15}
.logo .lwords strong{font-family:'Merriweather',serif;font-weight:900;font-size:1.18rem;letter-spacing:-.01em}
.logo .lwords small{font-size:.62rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--blue)}
.logo:hover{text-decoration:none}
.nav ul{display:flex;gap:26px;list-style:none}
.nav ul a{color:var(--ink);font-weight:600;font-size:.95rem}
.nav ul a:hover{color:var(--blue);text-decoration:none}
.nav .cta{background:var(--amber);color:var(--navy);padding:9px 18px;border-radius:8px;font-weight:700}
.nav .cta:hover{filter:brightness(1.06)}
@media(max-width:820px){.nav ul{display:none}}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#235a86 100%);color:#fff;padding:84px 0 72px}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.4vw,3rem);max-width:760px}
.hero p{margin:18px 0 30px;font-size:1.15rem;color:#d7e4f0;max-width:640px}
.hero .kicker{display:inline-block;background:rgba(242,169,59,.16);color:var(--amber);border:1px solid rgba(242,169,59,.45);padding:5px 14px;border-radius:99px;font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:20px}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:700;padding:14px 28px;border-radius:10px;font-size:1.05rem}
.btn:hover{filter:brightness(1.06);text-decoration:none}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);margin-left:12px}
/* sections */
section{padding:64px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:680px;margin-bottom:38px}
.sec-head h2{font-size:clamp(1.5rem,3vw,2.1rem)}
.sec-head p{color:var(--mut);margin-top:10px}
.grid{display:grid;gap:22px}
.grid.c2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid.c3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:26px;box-shadow:0 1px 3px rgba(19,48,78,.05)}
.card h3{font-size:1.12rem;margin-bottom:10px}
.card p{color:var(--mut);font-size:.97rem}
.card .ico{width:46px;height:46px;border-radius:10px;background:#e8f1f9;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:1.3rem}
.card a.more{display:inline-block;margin-top:12px;font-weight:700;font-size:.93rem}
/* steps */
.steps{counter-reset:s}
.step{display:flex;gap:18px;padding:20px 0;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:none}
.step .n{counter-increment:s;flex:none;width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--amber);font-weight:800;display:flex;align-items:center;justify-content:center;font-family:'Merriweather',serif}
.step .n::before{content:counter(s)}
.step h3{font-size:1.05rem;margin-bottom:4px}
.step p{color:var(--mut);font-size:.96rem}
/* directory */
.dir-tier{margin-bottom:46px}
.dir-tier h3{font-size:1.25rem;border-left:4px solid var(--amber);padding-left:14px;margin-bottom:8px}
.dir-tier>p{color:var(--mut);margin-bottom:18px;max-width:720px}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--rad);overflow:hidden;font-size:.95rem}
th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px;font-weight:600}
td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
td.mut{color:var(--mut)}
@media(max-width:680px){table,thead,tbody,tr{display:block}th{display:none}td{display:block;border-top:none}tr{border-top:1px solid var(--line);padding:10px 0}}
/* article */
.article{max-width:760px;margin:0 auto;padding:56px 22px}
.article h1{font-size:clamp(1.7rem,4vw,2.4rem);margin-bottom:14px}
.article .lede{font-size:1.15rem;color:var(--mut);margin-bottom:34px}
.article h2{margin:38px 0 14px;font-size:1.45rem}
.article h3{margin:26px 0 10px;font-size:1.12rem}
.article p{margin-bottom:16px}
.article ul,.article ol{margin:0 0 18px 24px}
.article li{margin-bottom:8px}
.callout{background:#fdf3e0;border:1px solid #f0d8a8;border-left:5px solid var(--amber);border-radius:10px;padding:18px 22px;margin:26px 0}
.callout strong{color:var(--navy)}
.crumb{font-size:.88rem;color:var(--mut);margin-bottom:22px}
/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:0 20px}
details summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none}
details summary::after{content:"+";float:right;color:var(--amber);font-size:1.3rem}
details[open] summary::after{content:"\2013"}
details p{padding-bottom:16px;color:var(--mut)}
/* flat illustrations */
.artwrap{display:flex;justify-content:center;padding:8px 0}
section+.artwrap,.artwrap+section{margin:0}
.artfig{margin:0;max-width:440px;width:100%;text-align:center}
.art{display:block;width:100%;height:auto;border-radius:16px}
.artfig figcaption{margin-top:12px;color:var(--mut);font-size:.95rem;font-style:italic;line-height:1.5;padding:0 10px}
.article .artwrap{margin:30px 0}
.article .artfig{max-width:480px}
/* full-width illustration bands between home sections sit on the page bg */
body>.artwrap{padding:38px 22px}
/* band */
.band{background:var(--navy);color:#fff;text-align:center;padding:60px 0}
.band h2{color:#fff;font-size:clamp(1.4rem,3vw,2rem);margin-bottom:12px}
.band p{color:#cddcea;max-width:560px;margin:0 auto 26px}
/* footer */
footer{background:#0e2438;color:#9fb4c6;padding:54px 0 30px;font-size:.92rem}
footer .grid{grid-template-columns:2fr 1fr 1fr 1fr;gap:36px}
footer h4{color:#fff;font-family:'Source Sans 3',sans-serif;font-size:.95rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:14px}
footer a{color:#9fb4c6;display:block;margin-bottom:9px}
footer a:hover{color:var(--amber)}
footer .fine{border-top:1px solid #1d3a55;margin-top:40px;padding-top:22px;font-size:.82rem;color:#6f8499}
@media(max-width:820px){footer .grid{grid-template-columns:1fr 1fr}}